Insurance is not for what is likely; it is for what is catastrophic. Term life if anyone depends on thy income. Disability insurance because thy ability to earn is thy largest asset. Umbrella liability if thou hast wealth to lose.
Avoid whole life and other 'investment' insurance products as a default. They commingle insurance and investment, both poorly. Buy term, invest the difference.
Health insurance is non-optional in the United States. A single uninsured hospitalization can erase a decade of savings. Choose the highest-deductible plan thou canst service from thy emergency fund, and pair it with an HSA.
The Seal of the Chamber
The shield thou never needest is the cheapest expense thou wilt ever pay.